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Atlanticus HoldingsATLC -2.10%62 OCF Margin % is 166.07% as of Jun. 2026, which is 151% above its 10-year median of 66.28. GuruFocus rates ATLC with a GF Score™ of 62/100 and a GF Value™ of $83.05 (Fairly Valued). The stock has 3 warning signs investors should review. Among 537 Credit Services companies, Atlanticus Holdings ranks better than 93.3% on this metric.
The historical data trend for Atlanticus Holdings's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Atlanticus Holdings's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Atlanticus Holdings OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Atlanticus Holdings (ATLC) has a OCF Margin % of 166.07% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Atlanticus Holdings and its competitors. This is 151% above median its historical median of 66.28. According to the industry distribution chart, Atlanticus Holdings ranks #36 out of 537 companies in the Credit Services industry, placing it in the top 6.7%.
Is Atlanticus Holdings' OCF Margin % too high?
Atlanticus Holdings' current OCF Margin % of 166.07% is 151% above median its 10-year median of 66.28. The Credit Services industry median OCF Margin % is 3.00. Atlanticus Holdings' value of 166.07% is 5435.7% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #36 out of 537 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Atlanticus Holdings has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' OCF Margin % compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #36 out of 537 companies for OCF Margin %. This places Atlanticus Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 3.00. Atlanticus Holdings' value of 166.07% is 5435.7% above this benchmark. While the company's 10-year median is 66.28 vs. the industry median of 3.00, Atlanticus Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 3.00, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current OCF Margin % of 166.07% is 5435.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median OCF Margin % is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current OCF Margin % is 166.07%, which is 151% above median its own 10-year median of 66.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlanticus Holdings stock overvalued right now?
Based on GuruFocus' analysis, Atlanticus Holdings (ATLC) is currently considered Fairly Valued. The stock's GF Value™ is $83.05, compared to a current price of $91.08 — trading 9.7% above its estimated fair value. The current OCF Margin % is 166.07%, which is 151% above median its 10-year median of 66.28 and 5435.7% above the Credit Services industry median of 3.00. Atlanticus Holdings' overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current OCF Margin % is 166.07% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Atlanticus Holdings (ATLC) Overvalued in 2026?
Based on GuruFocus' analysis, Atlanticus Holdings stock appears to be overvalued.
The current stock price of $91.08 is trading 9.7% above its estimated GF Value™ of $83.05.
GuruFocus considers Atlanticus Holdings to be Fairly Valued.
Key valuation signals for ATLC:
OCF Margin %: 166.07% (151% above median its 10-year median of 66.28)
GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
Industry Position: 5435.7% above the Credit Services median (#36 of 537)
No single metric tells the full story. See the ATLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Atlanticus Holdings Corp is a financial technology company powering more inclusive financial solutions for Everyday Americans. It provides technology and other support services to lenders who offer an array of financial products and services to consumers. The company's products and services are reported through two reportable segments. Credit as a Service (CaaS) offers products including private label credit cards using the Fortiva and Curae brand names as well as merchant-associated brands and Auto Finance provides purchase and/or service loans secured by automobiles from or for, and also provides floor-plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business.
62GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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